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Earnings transcript
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EWBC
East West Bancorp, Inc.
$128.66
2.4
(1.9%)
| Exchange: | NASDAQ |
| Market Cap: | 17.626B |
| Shares Outstanding: | 47.55M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Diversified | |||||
| CEO: | Christopher J. Del Moral-Niles | |||||
| Full Time Employees: | 3100 | |||||
| Address: |
| |||||
| Website: | https://www.eastwestbank.com |
East West Bancorp, Inc. functions as the parent entity for East West Bank, which delivers a comprehensive suite of personal and commercial banking solutions to both businesses and individual clients. The organization segments its operations into three primary areas: Consumer and Business Banking, Commercial Banking, and Other activities. Customers can access various deposit accounts, including personal and business checking and savings options, money market accounts, and certificates of deposit. The bank’s extensive lending portfolio covers residential mortgages and home equity loans, commercial and residential real estate financing, working capital lines of credit, construction loans, trade finance, letters of credit, general commercial business loans, affordable housing initiatives, asset-based lending, asset-backed finance, project finance, and equipment financing. A notable specialization includes financial bridging services aimed at facilitating business transactions between the United States and China. Furthermore, East West Bancorp offers ancillary services such as wealth management, treasury management, foreign exchange, and risk hedging for interest rates and commodities. Digital banking conveniences, like mobile and online platforms, are also provided. As of January 27, 2022, the company operated a significant network of approximately 120 locations spanning the United States and China. This footprint included full-service branches in international hubs like Hong Kong, Shanghai, Shantou, and Shenzhen, alongside representative offices in Beijing, Chongqing, Guangzhou, Taipei, and Xiamen. East West Bancorp, Inc. was established in 1998 and maintains its corporate headquarters in Pasadena, California.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,945,926 | 4,481,024 | 4,688,319 |
| Gross Profit | 2,439,375 | 2,392,544 | 2,817,552 |
| EBITDA | 1,623,230 | 1,680,308 | 2,034,140 |
| Operating Income | 1,459,770 | 1,481,861 | 1,755,460 |
| Net Income | 1,161,161 | 1,165,586 | 1,325,188 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 69,612,884 | 75,976,475 | 80,434,997 |
| Total Liabilities | 62,662,050 | 68,253,421 | 71,535,795 |
| Total Stockholders Equity | 6,950,834 | 7,723,054 | 8,899,202 |
| Total Debt | 4,755,364 | 3,625,237 | 3,312,057 |
| Cash and Cash Equivalents | 4,625,482 | 5,298,940 | 4,204,328 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,424,909 | 1,411,667 | 734,806 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 1,424,909 | 1,411,667 | 734,806 |
| Net Income | 1,161,161 | 1,165,586 | 1,325,188 |
| Net Change in Cash | 1,133,200 | 635,758 | 269,083 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,620,130.852 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 3,620,130.856 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,620,130.854 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,787,160.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,787,160.082 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,787,160.081 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,665,898.083 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,718,023.775 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,691,960.929 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 643,770.784 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 643,770.785 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 643,770.785 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 12.130 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 12.350 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 11.980 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: EWBC has demonstrated robust revenue and net income figures in recent income statements, supported by consistent growth in operating cash flow and free cash flow as per cash flow statements. This indicates a solid operational foundation and effective capital management.
- Favorable Valuation Metrics: The current price-to-earnings ratio (P/E TTM) and price-to-sales ratio (P/S TTM) suggest that EWBC is reasonably valued compared to industry averages, as reflected in the industry and sector data. Additionally, forward P/E ratios indicate potential for sustained investor confidence in future earnings growth.
- Healthy Balance Sheet: Balance sheet data shows a strong position with significant cash and cash equivalents, a manageable debt-to-equity ratio (TTM), and growing retained earnings. This financial stability supports resilience against market fluctuations.
- Positive Sector and Industry Trends: Performance metrics indicate that EWBC has outperformed its industry (industryName) and sector (sectorName) averages over multiple time frames (perf1w, perf1m, perf3m), highlighting competitive strength within its market segment.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates EWBC intrinsic value between $107.56 – $148.41 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about EWBC valuation
Is East West Bancorp, Inc. (EWBC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for East West Bancorp, Inc. (EWBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is EWBC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether EWBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is EWBC’s P/E ratio?
You can see EWBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for EWBC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is EWBC a good long-term investment?
Whether EWBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
EWBC
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Daily snapshot
1.9
Trading Metrics:
| Open: | 127.34 | Previous Close: | 126.26 | |
| Day Low: | 127.14 | Day High: | 130.1 | |
| Year Low: | 90.79 | Year High: | 130.1 | |
| Price Avg 50: | 119.76 | Price Avg 200: | 111.7 | |
| Volume: | 822803 | Average Volume: | 1.022M |
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Login — it's freeEWBC full analysis
Welcome to MARKETSNAP’s SWOT analysis for East West Bancorp, also known by its ticker EWBC. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into East West Bancorp, a key player in the banking sector, to break down its strengths, weaknesses, opportunities, and threats. Let’s unpack what makes this company tick, look at recent trends, and figure out if it’s a solid addition to your portfolio. Grab…
